What this site is
iLoans.ai is an independent editorial publication covering consumer and small-business lending in the United States. The site is provided as a free resource, and is supported by affiliate commissions earned when readers click out to lenders we cover. Use of the site does not create any client, advisor, or fiduciary relationship between you and us.
What we are not
iLoans.ai is not a lender. We do not originate loans, hold deposits, or make credit decisions. We are not a broker. We do not negotiate loan terms on your behalf or transmit applications to lenders. We are not a financial advisor, tax advisor, or attorney, and nothing on this site is personalized financial, tax, or legal advice. For advice specific to your situation, consult a licensed professional.
Accuracy and completeness
We make a good-faith effort to keep information on this site accurate and current. Lender rate ranges, eligibility requirements, fees, and product features change frequently. The figures cited on this site are illustrative and reflect publicly available information at the time of writing; the rate, term, or fee you are actually offered by any lender will depend on factors specific to you, including your credit profile, income, and the lender's then-current underwriting policy. Always confirm material terms directly with the lender before applying.
No warranty
This site and its contents are provided "as is" and "as available," without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be available, error-free, or free from viruses or other harmful components, or that any information on it is accurate, complete, or current.
Limitation of liability
To the fullest extent permitted by applicable law, iLoans.ai and its operator are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this site, including but not limited to damages arising from loan decisions you make based on information published here. Your sole remedy if you are dissatisfied with the site is to stop using it.
Outbound links
This site contains links to third-party websites operated by lenders, affiliate networks, and other parties. We do not control those websites, are not responsible for their content or practices, and do not endorse any product or service offered through them beyond what we say in our editorial coverage. Your use of any third-party site is governed by that site's own terms and privacy policy.
Intellectual property
The original content on iLoans.ai — articles, reviews, calculators, design — is published by us and protected by US copyright law. You may quote brief passages with attribution and a link back to the source page. You may not reproduce, redistribute, or republish substantial portions of the site without prior written permission.
Lender names, logos, and trademarks belong to their respective owners and are referenced on this site for descriptive and editorial purposes only. Reference to a lender does not imply endorsement by that lender of iLoans.ai.
Changes to these terms
We may update these terms from time to time. The effective date at the top of this page indicates when the most recent version was published. Continued use of the site after changes are posted constitutes acceptance of the updated terms.
Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute arising from your use of this site will be resolved in the state or federal courts located in California, and you consent to the personal jurisdiction of those courts.
Contact
Questions about these terms go to team@iloans.ai.